310 Loan Review

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310 Loans was a good option for those in need of emergency cash immediately. Although this service is no longer available, we’ve kept our review online for those that might be interested. 

With 310-LOAN you could get approved and funded the same day, sometimes within 30 minutes or less when approved. As an online payday lender you will find that 310-LOAN accepts applicants with bad credit and would consider those with no credit history, but not those that have bankruptcy, a consumer proposal or have enrolled in credit counselling. The former 310-LOAN now operates as Speedy Cash.

You could use 310-LOAN for a payday loan application completely online, and those that were approved would be able to get an e-transfer loan for fast funds.

Advantages of Borrowing with 310 Loan

Borrow – up to $1,500 

Flexible loan options – use for any purpose

Fast processing and online application

Disadvantages of Borrowing with 310 Loan

High interest rates – up to 400% or more

Short repayment terms (usually 62 days max)

First time borrowers unable to get more than $300

Government benefits or assistance not considered for income types.


Requirements for submitting an application with 310-LOAN included providing a primary piece of government issued ID, proof of employment and income verification, proof of address (e.g. utility bills), along with the necessary banking details and information. If you bank with RBC, BMO, CIBC, PC, National Bank, ING Direct, HSBC, Laurentian Bank or ATB Financial and use online banking you would only need to provide a detailed bank statement for the previous 30 days. This would also require direct deposit from your employer. 

310-LOAN is an online lender that was available in all provinces and territories across Canada, with the exception of Quebec. That means you would be able to apply for a loan in the following areas: MB, BC, NB, NL, ON, AB, SK, NS, NT, NU, PEI, YT.

Borrowers need to be careful when they use payday loans. While they’re a convenient way to access the funding you need, they come with high interest rates and short repayment terms. It’s for this reason that installment loans are recommended when borrowing.